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Financials
 Chairman's Letter History Mission Board of Directores Financials

3rd Quarter 2002 (Consolidated and Unaudited)  
Byblos Bank S.A.L.Unaudited Financial Highlights and Key Ratios Byblos Bank S.A.L.Unaudited Consolidated Statement of Income Byblos Bank S.A.L.Unaudited Consolidated Balance Sheet
 

Unaudited Consolidated Statement of Income
  1st Nine Months 2001 1st Nine Months 2002
In LBP Million
      
- Lebanese Government Securities 258,254 258,526
- Banks and Financial Institutions 58,122 60,208
- Head Office & Branches, Parent Company & 23 0
  Foreign Sister Financial Institutions & Subsidiaries 0  
- Bonds and Other Fixed-Income Securities 4,590 6,960
- Advances to Customers 112,105 95,272
- Advances to Related Parties 322 0
Total Interest Income 433,416 420,966
     
- Banks and Financial Institutions 24,325 15,925
- Head Office & Branches, Parent Company & 406 1,511
Foreign Sister Financial Institutions & Subsidiaries 0 0
- Customer Deposits and Other Creditor Accounts 282,270 266,104
- Related Parties Deposits 2,780 1,879
- Subordinated and Permanent Loans 1,033 4,726
- Certificates of Deposits 12,139 6,799
- Debt Instruments 0 0
Total Interest Expenses 322,953 296,944
     
Net Interest Income Before Provisions 110,463 124,022
- Provisions for Doubtful Loans 10,163 7,704
- Recoveries from Provisions for Doubtful Loans (2,031) -896
Net Provisions for Doubtful Loans 8,132 6,808
Net Interest Income After Provisions  102,331 117,214
Shares, participations and other financial instruments with variable revenue 0 793
- Commission Received 22,319 22,993
- Commission Paid 811 1,252
Net Commissions Received 21,508 21,741
     
- Gain on Bonds & Other Fixed Income Securities 935 99
- Gain on Equities & Securities With Variable Income 0 0
- Gain on Foreign Exchange 2,952 4,958
Total Gain From Financial Operations 3,887 5,057
     
- Loss on Bonds & Other Fixed Income Securities 105 917
- Loss on Equities & Securities With Variable Income 0 0
- Loss on Foreign Exchange 0 0
Total Loss From Financial Operations 105 917
Net Profit or Loss from Financial Operations 3,782 4,140
Other Operating Income 754 819
Other Operating Expenses 0 0
     
- Salaries and Employee Benefits 41,957 48,104
- Other Operating Expenses 25,412 28,902
Operating Expenses 67,369 77,006
Depreciation, Amortization, and Provision for Tangible and Intangible Assets 10,552 9,580
Net Provisions on Financial Fixed Assets 0 0
NET OPERATING INCOME  50,454 58,121
     
- Extraordinary Income 2,543 192
- Extraordinary Expenses 1,184 2,782
Net Extraordinary Income 1,359 -2,590
- Financial Companies 6,157 670
- Non Financial Companies 425 1,230
Dividends Received 6,582 1,900
     
Income Taxes 9,380 8,700
NET INCOME 49,015 48,731

Financial Figures
• 1st Half 2003 (Unaudited)

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